Side-by-side · Q2 2026 data
Emporia State Federal Credit Union vs Kansas State University Federal Credit Union
Credit union
Kansas State University Federal Credit Union
Manhattan, Kansas · $100 million – $1 billion
Metric by metric
| Measure | Emporia State Federal Credit Union | Kansas State University Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 67 |
| Capital cushion | 57 | 60 (stronger) |
| Loan quality | 84 (stronger) | 68 |
| Earnings | 72 (stronger) | 44 |
| Funding & liquidity | 90 | 96 (stronger) |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 66th | 41st |
| Total assets | $146.5M | $139.9M |
| Deposits / shares | $130.3M | $123.2M |
| Capital ratio | 10.74% | 11.00% (stronger) |
| Problem loans | 0.49% (stronger) | 0.95% |
| Net charge-offs | 0.11% (stronger) | 0.64% |
| Return on assets | 1.31% (stronger) | 0.59% |
| Loans ÷ deposits | 70.6% | 64.3% (stronger) |
| Uninsured deposits | 1.3% (stronger) | 9.5% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.3% |
Emporia State Federal Credit Union has the higher TellerScore (75 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Emporia State Federal Credit Union leads on 5 and Kansas State University Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.